There's a possibility that courts would interpret the remote interaction clause very narrowly as you suggest, allowing people to sidestep the teeth of the license easily. I think that possibility is fairly small, but you never know for sure of course.

Still, my main point was that the route taken by Mongo is intended to remove this kind of uncertainty: normal applications using it don't modify or include any AGPL code, so the question of just how far "remote interaction" goes never comes up.